OUR SERVICES

RAA’s expertise in the industry allows us to assist you with the important decisions you will make during your career and after retirement. Our professionals have the experience and resources to help you create and implement a disciplined financial plan encompassing investment management, financial planning, estate planning, survivor assistance, tax and insurance guidance as well as your company benefits. We have worked successfully with thousands of clients to help them address their unique needs.

Financial Planning

Financial planning is never a one-dimensional process. It entails coordinating numerous factors that touch
upon your investments, future income requirements, estate plan, tax situation and other key
considerations.

A strong financial plan gives you an objective view of your overall financial picture and provides you with
the guidance you need to enjoy a stress free retirement. Our Relationship Managers have the
experience, expertise, and resources to help you and your family create and implement a thoughtful
and disciplined financial plan.

Our Five Step Approach

Financial planning is never a one-dimensional process. It entails coordinating numerous factors that touch upon your investments, future income requirements, estate plan, tax situation and other key considerations.

1 IDENTIFY YOUR SPECIFIC FINANCIAL GOALS AND NEEDS:

We sit with you and ask detialed questions, in order to determine your retirement situation, financial goals and preferences.

2 CREATE YOUR UNIQUE RETIREMENT PLAN:

Our experienced team of professional advisors, investment managers, tax specialists and estate planning attorneys develop a customized plan for you. This includes a calculation of your rretirement income requirements, a thorough analysis of your distrubution options, portolio recommendations, and a review of your estate planning needs.

3 ENSURE THAT YOU ARE COMFORTABLE WITH YOUR PLAN:

We present the plan to you to ensure that you understand and agree with all of its components and strategies.

Once your plan is in place and executed, Retirement Advisors maintains close and regular contact with you to ensure that the plan continues to address your needs. We are always prepared to adjust your plan in response to life events and evolving goals.

INVESTMENT MANAGEMENT

If you are like many other investors, one of your most significant concerns may be falling short
of your financial goals. RAA harnesses extensive investment
management expertise to create investment strategies designed to meet your lifetime growth
and income needs.

At Retirement Advisors, your portfolio will be diversified broadly across an array of asset
classes, investment styles and investment managers. We take special care to combine these
elements to reduce overall portfolio risk. Diversification also provides you with a wider range
of return opportunities.

ESTATE PLANNING

There is a very common misconception that only elderly or wealthy people need to have an
estate plan in place. No matter how many years you believe you have left or how much
money you have, a carefully crafted plan will clearly define your wishes, should you
unexpectedly become incapacitated and unable to make decisions. Whether or not you
already have an estate plan in place, we offer a complimentary review to ensure that your
documents are current or can advise you on how to get started.

PLANNING AHEAD GUIDE

Retirement Advisors has developed a guide to help you, your spouse and family sit down
and plan for the transition of running your household should one of you become
incapacitated or pass away. There are many publications that provide assistance once you
become a widow or widower, but it is hard to find help on preparing for that eventuality. We
want to help ease the burden of the surviving spouse and family members.

Tax laws are often complicated and can change frequently. It is essential that all aspects of
your financial plan take advantage of current legislation. Our Relationship Management
team has the knowledge and experience to help guide you with complex federal and state
tax issues, taxation of stock options and estate tax consequences.

REQUEST A PILOT RETIREMENT PLANNING GUIDE

Request your FREE Final Approach retirement planning guide.

This guide is designed to help you understand the decisions you will need to make as you approach retirement and the factors that go into a comprehensive retirement plan. It includes:

who we SERVE

Experience

For over 30 years, RAA has assisted airline pilots and their families with a variety of financial planning services including 401(k) professional management, comprehensive financial planning, estate planning, benefits reviews, tax guidance, retirement planning, investment management, income planning, and Social Security and Medicare guidance, just to name a few.

Your Retirement Plan

Pilots employed by Southwest have multiple retirement plans to help them save for the future. The pilot’s retirement savings plan and profit sharing plans are qualified plans, meaning the assets in these plans are protected from creditors in the event of a corporate or personal bankruptcy. Non-qualified plans, such as the 401(a), Excess Benefit, and Top Hat plans have no such protection. These non-qualified plans are still very valuable tools that allow you to save money above what is allowed in the 401(k) and profit sharing plans. The 401(k) plan has a Roth feature which allows active participants to contribute money on an after-tax basis. When you retire, and begin taking withdrawals, you will not be taxed on any contributions or earnings, in other words, tax free income in retirement. When you retire, you also have the ability to transfer your Roth contributions to a Roth IRA, done in the same manner you would transfer your before-tax contributions and earnings to a Rollover IRA. A significant advantage to the Roth IRA is the fact that the IRS does not impose minimum required distributions from Roth IRAs. Theoretically, assets held in a Roth IRA could be left there forever, or passed to your heirs, again without any tax consequence to them.

As your advisor, we also offer you advice on which funds would be most suitable for you inside your 401(k) and/or profit sharing plans given your individual circumstances.

Southwest

ACTIVE

For More Information Contact

Brad Bridgewater
Vice President of Sales and Marketing

Brad Bridgewater is the Vice President of Business Development for RAA. He leads the Financial Consultant and pilot representative teams across the country for all the airlines RAA serves. Brad joined the company in 2005 and spent seven years as a Financial Consultant. Prior to joining RAA, Brad was an athlete, representing the United States National Swimming Team around the world, including winning a gold medal in the 1996 Olympic Games in Atlanta in the 200 meter backstroke. Brad holds a BA from the University of Southern California.

Phone: (800) 321-9123 ext 540

Mike Kane
Vice President and Financial Consultant

Michael Kane is a Vice President and Financial Consultant with RAA. Mike joined the RAA team in 2012. He works closely with pilots to evaluate their retirement planning readiness and provide solutions to meet their retirement goals and dreams. Mike has over 22 years of financial services experience with Fidelity Investments, American Beacon Advisors, and Baker Avenue. Mike is a graduate of Texas Tech University with a degree in Marketing. He has also completed the CFP Examination and coursework for the Certified Financial Planners designation through the College of Financial Planning.

Other Helpful Resources

Retirement Plan Expert

Brian Curland

Brian Curland joined RAA in 2013 and has been associated with Investment Management since 2000. He joined Southwest Airlines in 2006 and is currently a First Officer based in Baltimore.

Brian received a B.S. Degree in History from Shenandoah University in Winchester, VA in 1998 and then went to USAF Pilot training as an A-10 pilot with the Maryland Air National Guard. He was selected as an ANG exchange pilot in 2003 to be a T-38 Instructor with the active duty Air Force. He then came back to the Maryland Air National Guard in 2006 as an A-10 Instructor participating in multiple deployments to Iraq and Afghanistan. He is currently working on his MBA in Military Management from Trident University.

Retirement Plan Expert

Cathy Dees

Pilot Representative, SWA

Information Coming Soon

Retirement Plan Expert

Dave Robertson

Vice President, Financial Consultant and Pilot Representative, SWA

David Robertson is a Vice President and Financial Consultant at RAA, where he is responsible for assisting pilots with the initial stages of their retirement income planning. Prior to RAA, David spent nineteen years at Fidelity Investments, ADP Retirement Services and Wells Fargo Advisors, where he was responsible for retirement plan sales for the MIdwesterm United States. David is a graduate of Western Kentucky University and holds the Chartered Retirement Plans Specialist designation.

About Us

Our expertise in the industry allows us to assist you with the important decisions you will make before and after retirement. Our professionals have the experience and resources to help you create and implement a disciplined financial plan.

RAA's proprietary Final Approach Program is known throughout the airline industry as a comprehensive pre-retirement program, providing pilots and their families with timely advice and accurate guidance as they consider retirement.